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 Retirement Plans
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Ohio National understands that, to attract and retain good employees, you need to offer a flexible retirement plan to meet your employees' retirement needs. As a proven provider of retirement plan products, we can help you create and maintain a quality plan tailored specifically for your organization.

For more than 70 years, we've designed and administered retirement plans for a wide range of corporations, governmental agencies and non-profit organizations. Ohio National’s ONcore Advantage product offers a versatile and innovative group variable annuity contract designed to serve as the funding vehicle for a variety of employer-sponsored plan designs, including 401(k)s, 403(b)s, Owner-only, Safe Harbor, Profit Sharing, Cross-tested and DB(k)s.

With Ohio National, you can choose from a full-service platform, in which we handle your retirement plan's investment management and administrative duties, or an investment-only platform, in which we handle only the investment management, and you choose a Third Party Administrator (TPA) to handle the administrative duties.

 ONcore Advantage Benefits:

  • Diverse, extensive investment portfolio, including 200+ funds from 35 fund families:
    • No proprietary fund requirements
    • Extensive Suite of Managed Volatility Portfolios
    • Multiple target date fund series
    • One-fund lifestyle portfolios
    • Low-cost index funds
  • Fund revenue neutrality
  • Fiduciary assistance, including choice of ERISA 3(21) or ERISA 3(38) programs
  • No contract charge for certain plan benefit payments
  • Dedicated new business associate to help establish your plan
  • Personal client service representative to help maintain your plan
  • Annual plan review
  • Enrollment and education support
  • Investment Options and Managed Volatility Portfolios (MVPs)

Make it your retirement plan solution
An Ohio National financial professional can help you select the right combination of product, benefits and pricing to meet your company's needs, both now and in the future.

Talk to your Ohio National financial professional to find out more about retirement plans.

Group variable annuities are long-term investment vehicles designed to accumulate money on a tax-deferred basis for retirement purposes. Premature distributions may be subject to withdrawal charges or a market value adjustment. Distributions may also be subject to ordinary income tax and, if taken prior to age 59½, a 10 percent federal tax penalty may apply. Upon retirement, group annuities may pay out an income stream of a series of payments or a lump sum. If you die during the accumulation or payout phase, your beneficiary may be eligible to receive any remaining account value.

Guarantees are based upon the claims-paying ability of The Ohio National Life Insurance Company. Guarantees do not apply to the investment performance or account value of the underlying variable portfolios within group variable annuities. There is no additional tax-deferral benefit for annuities purchased in a tax-qualified plan, which is already afforded tax-deferred status. An annuity should only be purchased in a qualified plan if you value some of the other features of the annuity and are willing to incur any additional costs associated with the annuity. Product, product features and rider availability vary by state. Issuer is not licensed to conduct business in NY.

Retirement Advantage is distributed by Ohio National Equities, Inc., Member FINRA, and is sold by prospectuses, which contain more complete information including fees, withdrawal charges and other costs that may apply.

Contact your registered representative or visit to obtain current prospectuses. Please read the product and fund prospectuses carefully before you invest or send money. Investors should consider the investment objectives, strategies, risk factors, charges and expenses of the underlying variable portfolios carefully before investing. The fund prospectus contains this and other information about the underlying variable portfolios.

As with any investment, investing in variable portfolios involves risk, including possible loss of principal.

With respect to non-registered group annuities, your representative can provide you with a participant disclosure form for more complete information about the contract.

This material contains general information describing Ohio National's plan servicing capabilities and/or investment platform. Ohio National is not providing impartial investment advice or acting in any fiduciary capacity.


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©2017 Ohio National Financial Services, Inc.
Product Issuers: The Ohio National Life Insurance Company
and Ohio National Life Assurance Corporation
Registered Products Distributed by: Ohio National Equities, Inc.
Member FINRA
One Financial Way | Cincinnati, Ohio 45242